Last Revised: June 24, 2022
BillFixers, LLC (collectively, “we,” “us,” or “our”) respects individual privacy and values the confidence of our subscribers and consumers. We want you to be familiar with what information we collect about you, how the information is used, and what choices you have regarding the collection and use of your information. The privacy principles that we follow concerning the collection, use, disclosure, and protection of information when providing our products and services are consistent with relevant U.S. federal and state laws.
Information We Collect
We receive and store any information you provide to us. For example, through the registration process, your account settings or when are you are seeking bill negotiation(s), we may collect Personal Information such as your name, email address, address, phone number, job title, company name, employer, social media handle, gender, last four digits of social security number, service account identifier, other information about your service account, and IP addresses – among other categories of data potentially required to identify and negotiate bills on your behalf or otherwise provide our services.
Communications: We may collect Personal Information through email, chat, text, or phone, or through our website, email, or paper correspondence. We may communicate with you regarding your Service Provider’s bill transactions with us or topics other than your Service Provider’s bill account transactions with us if you’ve provided us the means to do so. For example, if you’ve given us your email address, we may send you email you about your use of the services you signed up for. Also, we may receive a confirmation when you open an email from us. This confirmation helps us make our communications with you more interesting and improve our services.
Information from Third Parties
Although we often collect the Personal Information described above directly from you, we may also collect this information through service providers and other third parties that collect it on our behalf, such as publicly available sources, from our vendors, and our marketing partners.
Information you provide, or that we otherwise collect, is used to facilitate the services described herein, and to identify and let you know of additional services you might be interested in.
Information Collected Automatically
We and our third-party providers may also collect log data from an individual’s device, browsing actions and site usage patterns automatically when visiting or interacting with our Site, which may include:
Internet protocol (IP) address, operating system, browser type, browser id, the URL entered and the referring page/campaign, date/time of visit, the time spent on our Site and any errors that may occur during the visit to our Site;
Analytics Data, such as the electronic path taken to our Site, through our Site and when exiting our Site, as well as usage and activity on our Site; and
Location Data, such as general geographic location based on the log data we or our third-party providers collect.
To manage cookies, an individual may change their browser settings to: (i) notify them when they receive a cookie, so the individual can choose whether or not to accept it; (ii) disable existing cookies; or (iii) automatically reject cookies. Please note that doing so may negatively impact an individual’s experience using our Site, as some features and offerings may not work properly or at all. Depending on an individual’s device and operating system, the individual may not be able to delete or block all cookies. In addition, if an individual wants to reject cookies across all browsers and devices, the individual will need to do so on each browser on each device they actively use. An individual may also set their email options to prevent the automatic downloading of images that may contain technologies that would allow us to know whether they have accessed our email and performed certain functions with it.
Your browser may offer you a “Do Not Track” option, which allows you to signal to operators of websites and web applications and services (including behavioral advertising services) that you do not wish such operators to track certain of your online activities over time and/or across different websites. Our Services do not support Do Not Track requests at this time, which means that we collect information about your online activity both while you are using the Services and after you leave our Services.
How We Use Personal Information
We use your personal information to:
Provide you with bill negotiation services.
Send transactional alerts to the e-mail address in your profile;
Send important information to you relating to your account, the Site, our Terms and Conditions, and our policies.
Inform you of products, services, and promotions that may be of interest to you unless you have requested that we do not send you marketing and promotional communications;
Perform everyday business functions such as audits, detecting and preventing fraud, analysis, product improvements, research, development, and security;
We may share your Personal Information that is no longer personally identifiable. We may anonymize your Personal Information so that you are not individually identified and provide that information to our partners. We may also provide aggregate usage information to our partners, who may use such information to understand how often and in what ways people use our Services, so that they, too, can provide you with an optimal online experience. However, we never disclose aggregate usage information to a partner in a manner that would identify you personally, as an individual.
Information Required for the Conduct of Your Bill Negotiation Transactions.
We may disclose Personal Information about you to a service provider(s) for bill negotiation services if the disclosure will enable the third party to perform a business professional transaction. We may also disclose Personal Information about you to other contractors, service providers and other third parties we use to support our business and who are bound by contractual obligations to keep Personal Information confidential and use it only for the purposes for which we disclose it to them.
Advertisers. We may allow advertisers and/or partners (“Advertisers”) to choose the demographic information of users who will see their advertisements and/or promotional offers and you agree that we may provide any of the information we have collected from you in non-personally identifiable form to an Advertiser, in order for that Advertiser to select the appropriate audience for those advertisements and/or offers. We might allow Advertisers to display their ads to users with similar usage patterns to yours, but we will not disclose usage information to Advertisers except in aggregate form, and not in a manner that would identify you personally. Note that if an advertiser asks us to show an ad to a certain audience or audience segment and you respond to that ad, the advertiser may conclude that you fit the description of the audience they were trying to reach.
Is Personal Information about me secure?
We have appropriate physical, technical, and organizational measures, and tools in place to protect your personal information against the loss, misuse, and alteration of information that complies with relevant legal requirements and best practices. When you enter sensitive information (such as login credentials) into the Site, we encrypt the transmission of that information using Secure Socket Layer (SSL) technology.
When you provide information through the Site, you should be aware that your information may be transmitted across the Internet, and no method of transmission over the Internet is 100% secure. Although we take reasonable security measures to protect your information when we receive it, you also need to ensure you take appropriate steps to protect your information. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please notify us of the problem as soon as possible by contacting us at email@example.com.
Your account is protected by a password for your privacy and security. You must prevent unauthorized access to your account and Personal Information by selecting and protecting your password and/or other sign-on mechanism appropriately and limiting access to your computer or device and browser by signing off after you have finished accessing your account.
You can use a range of tools to control the collection, usage, and sharing of your information, and to make choices about receiving product and service offers. Some browsers have incorporated “Do Not Track” (DNT) features that can signal the websites you visit, indicating you do not wish to be tracked. Because there is no common understanding of how to interpret the DNT signal, our websites do not operate differently in response to browser DNT signals.
· E-mail: We will send information related to the completion of your registration, correction of user data, change of password, and other similar communications essential to your transactions;
Once you have registered for an account, you may update or correct your profile information and preferences at any time by accessing your account settings page through the Site.
We do not delete information about you should you discontinue to use our services. We may retain the information you submit for a variety of purposes, including legal compliance, backups and archiving, prevention of fraud and abuse, and analytics. You may continue to receive emails from us, though you can opt out of receiving emails at any time by accessing your account settings page through the Site.
We do not knowingly collect or solicit Personal Information from anyone under the age of 13. If you are under 13, please do not attempt to register for the Services or send any Personal Information about yourself to us. If we learn that we have collected Personal Information from a child under age 13, we will delete that information as quickly as possible. If you believe that a child under 13 may have provided us personal information, please contact us at firstname.lastname@example.org.
When you cease to be our customer, we may continue to use and share your information as described in this Policy.
We’ll try to be ethical, reasonable, and transparent in how we deal with your personal information so it doesn’t get into the wrong hands.